Call reports 2009
CITIZENS BANK, NATIONAL ASSOCIATION — 2009
What CITIZENS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 134,825,901,000 | 121,919,224,000 | 118,883,026,000 | 116,921,115,000 |
| Total loans | 90,558,234,000 | 86,507,982,000 | 83,317,312,000 | 80,074,208,000 |
| Allowance for loan losses | 1,669,433,000 | 1,818,075,000 | 2,014,643,000 | 1,898,516,000 |
| Securities available for sale | 20,485,493,000 | 19,697,585,000 | 18,679,864,000 | 17,739,240,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,435,629,000 | 1,010,957,000 | 1,037,658,000 | 837,828,000 |
| Total deposits | 73,697,876,000 | 77,981,687,000 | 74,169,825,000 | 72,767,757,000 |
| Interest-bearing deposits | 59,682,141,000 | 60,272,541,000 | 59,525,184,000 | 57,701,611,000 |
| Noninterest-bearing deposits | 14,015,735,000 | 17,709,146,000 | 14,644,641,000 | 15,066,146,000 |
| Equity capital | 16,318,641,000 | 16,543,661,000 | 16,620,011,000 | 16,599,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,330,817,000 | 2,574,528,000 | 3,744,458,000 | 4,867,887,000 |
| Interest expense | 534,668,000 | 1,043,615,000 | 1,487,329,000 | 1,889,481,000 |
| Net interest income | 796,149,000 | 1,530,913,000 | 2,257,129,000 | 2,978,406,000 |
| Noninterest income | 284,974,000 | 663,814,000 | 979,566,000 | 1,303,612,000 |
| Noninterest expense | 640,199,000 | 1,358,644,000 | 1,979,938,000 | 2,707,168,000 |
| Provision for loan losses | 608,813,000 | 1,271,168,000 | 1,945,519,000 | 2,484,891,000 |
| Pretax income | -152,865,000 | -409,446,000 | -667,094,000 | -891,830,000 |
| Income tax | -54,190,000 | -145,682,000 | -238,027,000 | -291,456,000 |
| Net income | -98,631,000 | -263,791,000 | -429,119,000 | -600,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,689,336,000 | 8,535,171,000 | 8,391,356,000 | 8,237,088,000 |
| Total capital | 11,084,580,000 | 10,809,212,000 | 10,624,807,000 | 10,387,913,000 |
| Risk-weighted assets | 95,104,831,000 | 91,620,467,000 | 88,129,582,000 | 84,463,607,000 |